Yes, the employer contributes $250 every few months for a total of $1,000. I think we have it figured out now as the employer meant the contributions since April have to be in a HRA and used by the time she retires. Thanks for all the help!

She is planning on retiring November 1 and applying for Medicare October 1. So 6 months prior to October 1 would be April 1. She has been contributing to her HSA during this time, so what will happen to the money she has contributed since April 1?

Thanks for the information Ron, it was very helpful. It made it sound like she would have to use up all of her HSA funds before her retirement date, but I guess that is not the case. So since she will be retired, her HRA will work just like an HSA would when she was working?

I have a coworker whom is getting ready to retire and had her retirement meeting last week. She is 65 and did not register for Medicare because she was still working and using the employer's health insurance. She was informed due to this, her HSA would turn into an HRA and Medicare would back date i...

Looks like Craigslist / Facebook are probably the best options. How about how to determine how much to sell them for? I am not sure what he paid for them, but for brand new, they are going for $1,300 or so

I help out a gentleman whom is in a retirement facility and he recently moved to a different room. He moved to this facility in 2013 and purchased a Whirlpool Duet stackable washer and dryer. He no longer needs it in his new room and I do not have washer and dryer hookups in my apartment, so I curre...

I agree with all of you. I think my Total Stock Market and Total International index funds are risky enough and just fine. I also have one my Roth IRA's in the 2050 Target Retirement fund, which he does like target retirement funds, but thought I should be more aggressive with that as well. I did ag...

I met with someone today who thought index funds weren't aggressive enough for me (I'm 31). He recommended small cap growth funds and international growth funds. Thought it was interesting... Also told me don't be afraid to use some of my HSA to pay medical expenses instead of just paying out of my ...

Thanks for all the replies! Only thing you guys didn't mention was telling me how easy it is to do an oil change and do it myself :wink: I called a local place today I wanted to get a quote from, and they didn't want to give me one until they looked at my car and they are booked until February 16. S...

I had my oil changed today and found out I need new brake pads. They quoted me: $229 plus tax for front brake pads and resurface the front rotors $171 plus tax for rear brake pads Does this seem like a reasonable cost? Any suggestions? Depends. Did they give you an estimate of how much you "needed"...

I have a 2002 Honda Accord and take my car to the Toyota/Honda dealer. They have a sheet where they follow certain checkups and brakes are on that piece of paper and they check them every other oil change I called another shop and they quoted me a higher price. There are a couple local shops I will ...

I see people post how much they are up, but I do not see that on the Vanguard website. I am fairly new to this, so maybe I'm just not looking at the correct spot. Obviously, i could do the math on it, but figure there has to be a simpler way. Thanks!

I received my HSA money in the TD Ameritrade account today and decided to put all $6,100 of it into SPTM. If you don't mind my asking, how long did the transfer of funds take to arrive at Lively (from your previous HSA custodian, after submitting the HelloSign doc)? Mine took 10 weeks, but it was N...

I received my HSA money in the TD Ameritrade account today and decided to put all $6,100 of it into SPTM. I added up all of my retirement funds (except for my current employer pension) and if I consider the Annuity Roth IRA as a bond, I currently hold a 61% stock / 39% bond mix. As I add to my HSA a...

I second the Royal Caribbean promotion. Used it once and saved a lot of money at Aria. Another suggestion, if you're willing to put a bit of time into it, is to play the Facebook/mobile game MyVegas. During low traffic times, they have rewards for 2 to 3 nights at various MGM hotels. I've stayed at...

Since SPTM is commission-free at TD Ameritrade, I'd use that as my core fund, possibly my only fund in that account. (All else being equal, I'd use ITOT over SPTM because it is a more established and trades more liquidly, but ITOT is not commission-free at TD Ameritrade. And the differences are ins...

I’m assuming you’re young based on the target date. Doesn’t seem like an annuity would make sense now if retirement is so far off. I’d look at that. Can you reallocate that? You need to determine how risky you want to be. You have some bonds in the target fund. Probably 10-20% of that. So overall y...

I am trying to decide on how to invest my HSA with Lively / TD Ameritrade. Currently I have: $11,500 in Flexible Premium Deferred Indexed Annuity (Roth IRA) $5,775 in Target Retirement Fund 2050 (Roth IRA) and will put 2018 $5,500 contribution into this I have a pension from work where I'll currentl...

^Small-cap value is going to be one of the worst performing stock asset classes for 2017. But 2016, was a great year. While one can look at total return from Date X to Date Y, I don't think that's the way to really know what this asset class can do for one's portfolio. One has to sell it when it go...

I don't think people here are too fond of small cap value and would only consider a small percentage of it, if at all. Just found it interesting how Paul Merriman keeps talking it up Merriman has been talking it up for more than 30 years I think. LOTS of Bogleheads are quite fond of small cap value...

Paul Merriman has been talking a lot about small cap value recently including in his new target date funds and had a podcast just on the small cap value subject. He obviously loves this asset class and recommends it over the total stock market. His new target date funds has the majority of it in sma...

I am 31 and wanting one for job fairs and interviews. I am starting the certificate in personal financial planning program at Kansas State next semester and have seen people in jackets and ties for the job fairs/interviews they conduct

I am in the need of a suit or suits and am wondering the best place to get one. I have seen advertisements for buy one, get one once in awhile, but haven't recently. I have never bought one and really don't know where to start.

I am looking for the top bonus being offered by an online savings account at the moment. I currently have my money in CIT for 1.35% APR and 1.55% 11 month no penalty CD. I've had my money in there for more than 90 days and have my $100 bonus on its way. So now I'm looking for the next best bonus to ...

Investment advisor path, schools, certification. https://www.kitces.com/blog/how-to-pick-the-best-cfp-registered-program-to-complete-your-cfp-education-requirement/ i graduated from Kansas State University in 2009 and work for KSU. I took an undergrad Personal Financial Planning class this semester...

I did MyHeritage. They have a $49 special if you buy two going on now. Though the major parts were what I expected, there were some surprises. I was around 10% Scandinavian, 8% Greek and 12% Irish/Scottish none of which my family knew. We thought we were more French and German. I thought it was int...

It doesn’t matter which state plan you use, just pick the best one. Look at the deans list list with high honors. I would do seperate plans for each child. http://clark.com/education/clarks-529-plan-guide/ There are advantages of the parent owning the plan. If the child’s parents have opened one, t...

I am thinking about opening up a 529 Plan for my niece and nephew for Christmas but have a few questions first. I live in Kansas and they live in Oklahoma, the Oklahoma 529 plan is average with expenses around .4 for the age based plans. Would it be better if my brother (the dad) opened up the plan ...

My parents have been wanting to get a new computer and I asked my mom what was she wanting to do on the computer, and she mentioned genealogy, which is what gave me this idea. They do not know what computer to get, but has to have a CD drive as my mom has pictures on CD's from Wal-Mart that she wan...

OP: If you are just interested in your ancestry, and not concerned about making connections with relatives, you might want to try the National Geographic Geno project. https://genographic.nationalgeographic.com/about/ I have never heard of this, how does it compare to the others? Would I want to ge...

AAA needs better marketing. If you have coverage from your Insurance, all towing, tire change, running out of gas, locked keys, battery jump count as Insurance Claims on your CLUE report. AAA services do not count on CLUE report, if more people knew this, AAA will have a surge in membership. Clark ...

My parents have been wanting to get a new computer and I asked my mom what was she wanting to do on the computer, and she mentioned genealogy, which is what gave me this idea. They do not know what computer to get, but has to have a CD drive as my mom has pictures on CD's from Wal-Mart that she want...

I am considering giving this to my parents for Christmas (one of each for both of them). Not everyone wants to know the health part of 23andMe and I honestly do not know if my parents would want to know or not. If I just got the ancestry part of 23andMe, are Ancestry and 23andMe ancestry results sim...

I'm surprised no one suggested that she file at age 62 and he immediately files a restricted application on her benefit. She would recive 75% of her PIA (amount of benefit at her FRA), and he would receive 1/2 of her PIA until he turns 70, when he would file for his own benefit. This is likely the ...